Yeah its not even close. In my mind, the 200$ a month could be 500 and I would still pay for it. There are many technical problems I have ran into, where I simply would not have solved the problem without it. I am building more complicated software than I ever have, and I have 10+ years of engineering experience in big tech
If you are in a developing country and making $500-$1000 a month doing entry level coding work then $200 is crazy. On the other hand, your employment at this point is entirely dependent on your employer having no idea what is going on, or being really nice to you. I've also heard complaints from people, in the United States, about not wanting to pay $20 a month for ChatGPT. If the work you are doing is that low value, you probably shouldn't be on a computer at all.
Yeah its funny because I know I could hire someone off upwork. But I prefer to just tell the model what to code and integrate its results, over telling another engineer what to do.